Behan says people often don't take advantage of this enrollment period for Medicare Part D prescription drug plans. People may not have to change anything, she says, but they might save money if they compare their premiums and deductibles of the different plans.

"It can be as much as $300 and then we've seen as much as $2,000 saved," says Behan. "So if they're paying a lot out of pocket for prescriptions, there might be better plan for them."

Behan says it's important for beneficiaries to make sure needed prescriptions are covered, too.

Free assistance is available through Missouri's CLAIM program and at www.medicare.gov.

Meanwhile, Kansas has issued a warning about reports of Medicare Part D schemes in the state. Some recipients have been offered free diabetic supplies over the phone. Officials caution that Medicare never makes direct house calls asking for people's personal information or to sell products.